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Velocity Community Federal Credit Union

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Velocity Community Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Velocity Community Federal Credit Union?

Current rates for Velocity Community Federal Credit Union include: 12-Month CD: 2.95%, 18-Month CD: 2.70%, 24-Month CD: 2.50%, 60-Month CD: 2.50%, Savings: 3.50%, MMA: 1.35%

Q: What CD terms does Velocity Community Federal Credit Union offer?

Velocity Community Federal Credit Union CD rates are 4.00% APY for a 12 month CD, 3.75% APY for an 18 month CD, 3.55% APY for a 2 year CD and 2.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Velocity Community Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Velocity Community Federal Credit Union's 12 Month MemberPLUS CD rates are at 4.00%, 12 Month Member CD rates are at 3.95%, 18 Month MemberPLUS CD rates are at 3.75%, 18 Month Member CD rates are at 3.70%, 24 Month MemberPLUS CD rates are at 3.55%. Velocity Community Federal Credit Union's savings rates are at 3.50%. Velocity Community Federal Credit Union's money market rates are at 1.35%. Velocity Community Federal Credit Union's Personal Loan Rates are as low as 10.24%. Velocity Community Federal Credit Union's Credit Card Rates are at 18.00%. Velocity Community Federal Credit Union's CD rates are 26% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Velocity Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.08%. Rates last updated and verified on 10/29/2026.

Velocity Community Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Velocity Community Federal Credit Union? Share your experience about Velocity Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Velocity Community Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.08%

Excellent Lower than avg

Velocity Community Federal Credit Union
Main Office

2801 PGA BLVD STE 120
PALM BEACH GARDENS, FL 33410

https://www.velocitycommunity.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Velocity Community Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month MemberPLUS Certificate	3.92%	4.00%	12 Months
Min Balance $5,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
12 Month Member Certificate	3.87%	3.95%	12 Months
Min Balance $5,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
12 Month Youth Certificate	3.87%	3.95%	12 Months
Min Balance $250 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
18 Month MemberPLUS Certificate	3.68%	3.75%	18 Months
Min Balance $5,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
18 Month Member Certificate	3.63%	3.70%	18 Months
Min Balance $5,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
24 Month MemberPLUS Certificate	3.49%	3.55%	24 Months
Min Balance $5,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
36 Month MemberPLUS Certificate	3.49%	3.55%	36 Months
Min Balance $5,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
48 Month MemberPLUS Certificate	3.49%	3.55%	48 Months
Min Balance $5,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
6 Month MemberPLUS Certificate	3.49%	3.55%	6 Months
Min Balance $1,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
60 Month MemberPLUS Certificate	3.49%	3.55%	60 Months
Min Balance $5,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
24 Month Member Certificate	3.44%	3.50%	24 Months
Min Balance $5,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
36 Month Member Certificate	3.44%	3.50%	36 Months
Min Balance $5,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
48 Month Member Certificate	3.44%	3.50%	48 Months
Min Balance $5,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
6 Month Member Certificate	3.44%	3.50%	6 Months
Min Balance $1,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
6 Month Youth Certificate	3.44%	3.50%	6 Months
Min Balance $250 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
60 Month Member Certificate	3.44%	3.50%	60 Months
Min Balance $5,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%

Velocity Community Federal Credit Union Business CD Rates

Product	Rate	APY	Term
Business Certificate - 12 month	2.91%	2.95%	12 Months
Min Balance $5,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.80% → 2.95% ▲ 0.15 pts · high 2.95% / low 2.80% Oct 5, 20262.95%▲ from 2.80% Sep 14, 20262.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Business Certificate - 18 month	2.66%	2.70%	18 Months
Min Balance $5,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.40% → 2.70% ▲ 0.30 pts · high 2.70% / low 2.40% Oct 5, 20262.70%▲ from 2.40% Sep 14, 20262.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Business Certificate - 24 month	2.47%	2.50%	24 Months
Min Balance $5,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.30% → 2.50% ▲ 0.20 pts · high 2.50% / low 2.30% Oct 5, 20262.50%▲ from 2.30% Sep 14, 20262.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Business Certificate - 36 month	2.47%	2.50%	36 Months
Min Balance $5,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.30% → 2.50% ▲ 0.20 pts · high 2.50% / low 2.30% Oct 5, 20262.50%▲ from 2.30% Sep 14, 20262.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Business Certificate - 48 month	2.47%	2.50%	48 Months
Min Balance $5,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.30% → 2.50% ▲ 0.20 pts · high 2.50% / low 2.30% Oct 5, 20262.50%▲ from 2.30% Sep 14, 20262.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Business Certificate - 6 month	2.47%	2.50%	6 Months
Min Balance $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Business Certificate - 60 month	2.47%	2.50%	60 Months
Min Balance $5,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.30% → 2.50% ▲ 0.20 pts · high 2.50% / low 2.30% Oct 5, 20262.50%▲ from 2.30% Sep 14, 20262.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%

Velocity Community Federal Credit Union Savings Rates

Product	Rate	APY
High Yield Savings - New Money Only	3.44%	3.50%
Min Balance $10,000 Details Balance: $10,000 - $100,000; Maximum balance to earn dividend: $100,000; New money only; requires monthly direct deposit of $750.00 or more into a Credit Union checking account within first 60 days Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
HSA Savings	1.49%	1.50%
Min Balance $5 Details Balance: $5.00+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Holiday Club	0.15%	0.15%
Min Balance $2,500 Details Balance: $2,500+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Savings	0.15%	0.15%
Min Balance $2,500 Details Balance: $2,500+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Holiday Club	0.10%	0.10%
Min Balance $0 Details Balance: $0.00 - $2,499 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Savings	0.10%	0.10%
Min Balance $5 Details Balance: $5.00 - $2,499 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%

Velocity Community Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.34%	1.35%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Money Market Account	1.24%	1.25%
Min Balance $75,000 Details Balance: $75,000 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Money Market Account	0.85%	0.85%
Min Balance $25,000 Details Balance: $25,000 - $74,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Money Market Account	0.70%	0.70%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Money Market Account	0.70%	0.70%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Money Market Account	0.00%	0.00%
Min Balance $5 Details Balance: $5.00 - $2,499 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%

Velocity Community Federal Credit Union Checking Rates

Product	Rate	APY
HSA Checking	0.00%	0.00%
Min Balance $0 Details Balance: $0.00 - $9,999 Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
HSA Checking	0.00%	0.00%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
HSA Checking	0.00%	0.00%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Smart Choice Checking	0.00%	0.00%
Min Balance $0 Details Balance: $0.00 - $9,999 Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Smart Choice Checking	0.00%	0.00%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Smart Choice Checking	0.00%	0.00%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%

Velocity Community Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Fixed Home Equity	-	-	5.75%	5 - 15 Year Terms
Details As Low As; No closing costs Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%

Velocity Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Car, Truck, SUV, or Van Loan	-	-	4.25%	Up to 36 Months
Details Range: 4.25% - 15.50%; Ask about our Protection Plans! Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
New Car, Truck, SUV, or Van Loan	-	-	4.50%	Up to 48 Months
Details Range: 4.50% - 16.25%; Ask about our Protection Plans! Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Used Car, Truck, SUV, or Van Loan	-	-	4.50%	Up to 36 Months
Details APR range: 4.50% - 15.75%; Ask about our Protection Plans! Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Used Car, Truck, SUV, or Van Loan	-	-	4.75%	Up to 48 Months
Details APR range: 4.75% - 16.50%; Ask about our Protection Plans! Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
New Car, Truck, SUV, or Van Loan	-	-	5.00%	Up to 60 Months
Details Range: 5.00% - 16.50%; Ask about our Protection Plans! Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
New Car, Truck, SUV, or Van Loan	-	-	5.15%	Up to 66 Months
Details Range: 5.15% - 16.65%; Minimum loan amount of $15,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.15% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
New Car, Truck, SUV, or Van Loan	-	-	5.25%	Up to 72 Months
Details Range: 5.25% - 15.25%; Minimum loan amount of $20,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Used Car, Truck, SUV, or Van Loan	-	-	5.25%	Up to 60 Months
Details APR range: 5.25% - 16.75%; Ask about our Protection Plans! Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Used Car, Truck, SUV, or Van Loan	-	-	5.40%	Up to 66 Months
Details APR range: 5.40% - 16.90%; Minimum loan amount of $15,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.40% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
New Car, Truck, SUV, or Van Loan	-	-	5.50%	Up to 78 Months
Details Range: 5.50% - 9.75%; Minimum loan amount of $20,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Used Car, Truck, SUV, or Van Loan	-	-	5.50%	Up to 72 Months
Details APR range: 5.50% - 15.50%; Minimum loan amount of $20,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Used Car, Truck, SUV, or Van Loan	-	-	5.75%	Up to 78 Months
Details APR range: 5.75% - 10.00%; Minimum loan amount of $20,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
New Car, Truck, SUV, or Van Loan	-	-	6.25%	Up to 84 Months
Details Range: 6.25% - 10.00%; Minimum loan amount of $30,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Used Car, Truck, SUV, or Van Loan	-	-	6.50%	Up to 84 Months
Details APR range: 6.50% - 10.25%; Minimum loan amount of $30,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%

Velocity Community Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boats Loan	-	6.00%	Up to 84 Months
Details APR range: 6.00% - 10.00%; Ask about our Protection Plans! Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Motorcycles, ATVs, & Side-by-Sides - New Loan	-	6.50%	Up to 60 Months
Details Must Be Titled; All Loan Amounts; APR range 6.50% - 10.50% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Motorcycles, ATVs, & Side-by-Sides - New Loan	-	6.50%	Up to 84 Months
Details Must Be Titled; All Loan Amounts; APR range 6.50% - 10.50% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
New Boats Loan	-	6.50%	Up to 120 Months
Details APR range: 6.50% - 10.50%; Minimum Loan $50,000 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
New Boats Loan	-	6.50%	Up to 180 Months
Details APR range: 6.50% - 10.50%; Minimum Loan $75,000 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Other Watercraft - Jet Skis & Wave Runners - New Loan	-	6.50%	Up to 84 Months
Details APR range: 6.50% - 10.50%; Must Be Titled; All Loan Amounts Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Used Boats Loan	-	6.50%	Up to 84 Months
Details APR range: 6.50% - 10.50%; Ask about our Protection Plans! Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Motorcycles, ATVs, & Side-by-Sides - Used Loan	-	7.00%	Up to 60 Months
Details Must Be Titled; All Loan Amounts; APR range 7.00% - 11.00% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Motorcycles, ATVs, & Side-by-Sides - Used Loan	-	7.00%	Up to 84 Months
Details Must Be Titled; All Loan Amounts; APR range 7.00% - 11.00% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
New Campers, Travel Trailers, and Motorhomes Loan	-	7.00%	Up to 84 Months
Details APR range: 7.00% - 11.00%; Ask about our Protection Plans! Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Other Watercraft - Jet Skis & Wave Runners - Used Loan	-	7.00%	Up to 84 Months
Details APR range: 7.00% - 11.00%; Must Be Titled; All Loan Amounts Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Used Boats Loan	-	7.00%	Up to 120 Months
Details APR range: 7.00% - 11.00%; Minimum Loan $50,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Used Boats Loan	-	7.00%	Up to 180 Months
Details APR range: 7.00% - 11.00%; Minimum Loan $75,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
New Campers, Travel Trailers, and Motorhomes Loan	-	7.50%	Up to 120 Months
Details APR range: 7.50% - 11.50%; Minimum Loan $50,000 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 7.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
New Campers, Travel Trailers, and Motorhomes Loan	-	7.50%	Up to 180 Months
Details APR range: 7.50% - 11.50%; Minimum Loan $75,000 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 7.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Used Campers, Travel Trailers, and Motorhomes Loan	-	7.50%	Up to 84 Months
Details Range: 7.50% - 11.50%; Ask about our Protection Plans! Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Used Campers, Travel Trailers, and Motorhomes Loan	-	8.00%	Up to 120 Months
Details Range: 8.00% - 12.00%; Minimum of $50,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Used Campers, Travel Trailers, and Motorhomes Loan	-	8.00%	Up to 180 Months
Details Range: 8.00% - 12.00%; Minimum Loan $75,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%

Velocity Community Federal Credit Union Credit Card Rates

Product	Rate	APR
Low-Rate Secured VISA	-	18.00%
Details Variable APR Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Rewards Secured VISA	-	18.00%
Details Variable APR Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%

Velocity Community Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	10.24%	Up to 60 Months
Details APR range 10.24% - 17.50%; Borrow up to $30,000; Rates quoted as ranges based on creditworthiness and ability to repay Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%

Velocity Community Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder Loans	-	-	7.99%	Up to 36 Months
Details Borrow between $500 - $5,000 to rebuild credit - see loan page for details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
EZ Refinance - 10 Year Term	5.25%	-	5.25%	10 Year
Details Alternative Refinance - fast, easy, and no closing costs Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
EZ Refinance - 15 Year Term	5.50%	-	5.50%	15 Year
Details Alternative Refinance - fast, easy, and no closing costs Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Coverdell Education Savings Accounts	0.00%	-	0.00%
Min Balance $0 Details Balance: $0 - $2,499 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.34% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Coverdell Education Savings Accounts	0.70%	-	0.70%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Coverdell Education Savings Accounts	0.70%	-	0.70%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Coverdell Education Savings Accounts	0.85%	-	0.85%
Min Balance $25,000 Details Balance: $25,000 - $74,999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Coverdell Education Savings Accounts	1.24%	-	1.25%
Min Balance $75,000 Details Balance: $75,000 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Coverdell Education Savings Accounts	1.34%	-	1.35%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Traditional, ROTH, & SEP IRAs	0.70%	-	0.70%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Traditional, ROTH, & SEP IRAs	0.70%	-	0.70%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Traditional, ROTH, & SEP IRAs	0.85%	-	0.85%
Min Balance $25,000 Details Balance: $25,000 - $74,999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Traditional, ROTH, & SEP IRAs	1.24%	-	1.25%
Min Balance $75,000 Details Balance: $75,000 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
Traditional, ROTH, & SEP IRAs	1.34%	-	1.35%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
You Name It	0.10%	-	0.10%
Min Balance $0 Details Balance: $0.00 - $2,499 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%
You Name It	0.15%	-	0.15%
Min Balance $2,500 Details Balance: $2,500+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.08%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Velocity Community Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Velocity Community Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Velocity Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Velocity Community Federal Credit Union

Website https://www.velocitycommunity.org

Address 2801 PGA BLVD STE 120, PALM BEACH GARDENS, FL 33410

Phone 561-775-2525

Fax 561-624-1753

President Eric Emerson

CEO Jeff Marshall

Full-Time Employees 95

Part-Time Employees 1

Branch Locations 3

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.08%

Return on Assets (ROA)

0.3676%

Return on Equity (ROE)

2.9279%

Non-Performing Loans Ratio (NPL)

0.55%

Total Assets

491,652,716

Total Amount of Shares and Deposits

422,222,829

Total Shares and Deposits < 1 Year

418,447,096

Total Shares and Deposits 1 3 Years

2,651,015

Total Shares and Deposits > 3 Years

1,124,718

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

39,245,638

Total Uninsured Shares and Deposits > $250K (F+J)

39,245,638

Total Insured Shares and Deposits > $250K (item 17 less item K)

382,977,191

Total Interest Expense (Sum of items 6 8)

2,497,146

Share Certificates

1,724

Number of Accounts for Share Drafts

13,764

IRA KEOGH Accounts

750

Number of Accounts for Regular Shares

29,189

All other shares

960

Non Member Deposits

Money Market Shares

1,308

Net Income (unless the amount is already included in Undivided Earnings)

1,807,331

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

21,700,680

Total Liabilities

430,008,138

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Velocity Community Federal Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Velocity Community Federal Credit Union

Does Velocity Community Federal Credit Union offer CDs?

Yes. Velocity Community Federal Credit Union current CD rates include its 12 Month MemberPLUS CD at 4.00% APY, its 12 Month Member CD at 3.95% APY and its 18 Month MemberPLUS CD at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Velocity Community Federal Credit Union NCUA insured?

Yes. Velocity Community Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Velocity Community Federal Credit Union?

The highest Velocity Community Federal Credit Union CD rate is its 12 Month MemberPLUS CD at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Velocity Community Federal Credit Union offer?

Velocity Community Federal Credit Union CD rates are 4.00% APY for a 12 month CD, 3.75% APY for an 18 month CD, 3.55% APY for a 2 year CD and 2.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Velocity Community Federal Credit Union for its full lineup.

What is the highest savings rate at Velocity Community Federal Credit Union?

The highest Velocity Community Federal Credit Union savings rate is its High Yield Savings - New Money Only at 3.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Velocity Community Federal Credit Union?

The highest Velocity Community Federal Credit Union money market rate is its Money Market Account at 1.35% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Velocity Community Federal Credit Union?

The lowest Velocity Community Federal Credit Union auto loan rate is its New Car, Truck, SUV, or Van Loan at 4.25% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Velocity Community Federal Credit Union?

The lowest Velocity Community Federal Credit Union personal loan rate is its Personal Loans at 10.24% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Velocity Community Federal Credit Union?

The lowest Velocity Community Federal Credit Union credit card APR is its Low-Rate Secured VISA Credit Card at 18.00% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Velocity Community Federal Credit Union operate?

Velocity Community Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Velocity Community Federal Credit Union?

Yes, to access services at Velocity Community Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Velocity Community Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Velocity Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Velocity Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Velocity Community Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.velocitycommunity.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Velocity Community Federal Credit Union rates compare?

Velocity Community Federal Credit Union's CD rates are 26% higher than the MonitorBankRates national average, and it has an A+ health rating. Velocity Community Federal Credit Union's top rates are its 12 Month MemberPLUS CD at 4.00% APY, its High Yield Savings - New Money Only at 3.50% APY, its Money Market Account at 1.35% APY, its Personal Loans at 10.24% APR and its Low-Rate Secured VISA Credit Card at 18.00% APR, verified by MonitorBankRates on October 29, 2026.

Current Velocity Community Federal Credit Union Rates

12-Month CD2.95%
18-Month CD2.70%
24-Month CD2.50%
60-Month CD2.50%
Savings3.50%
MMA1.35%

Retrieved from our database of financial products. Rates subject to change.

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Velocity Community Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Velocity Community Federal Credit Union Texas Ratio

Velocity Community Federal Credit Union CD Rates

Velocity Community Federal Credit Union Business CD Rates

Velocity Community Federal Credit Union Savings Rates

Velocity Community Federal Credit Union Money Market Rates

Velocity Community Federal Credit Union Checking Rates

Velocity Community Federal Credit Union Home Equity & HELOC

Velocity Community Federal Credit Union Auto Loan Rates

Velocity Community Federal Credit Union RV, Boat and Powersport Loan Rates

Velocity Community Federal Credit Union Credit Card Rates

Velocity Community Federal Credit Union Personal Loan Rates

Velocity Community Federal Credit Union Other Rates

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Velocity Community Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Velocity Community Federal Credit Union

Does Velocity Community Federal Credit Union offer CDs?

Are CDs from Velocity Community Federal Credit Union NCUA insured?

What is the highest CD rate at Velocity Community Federal Credit Union?

What CD terms does Velocity Community Federal Credit Union offer?

What is the highest savings rate at Velocity Community Federal Credit Union?

What is the highest money market rate at Velocity Community Federal Credit Union?

What is the lowest auto loan rate at Velocity Community Federal Credit Union?

What is the lowest personal loan rate at Velocity Community Federal Credit Union?

What is the lowest credit card APR at Velocity Community Federal Credit Union?

How many branches does Velocity Community Federal Credit Union operate?

Is a member application needed to join Velocity Community Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Velocity Community Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Velocity Community Federal Credit Union rates compare?

Current Velocity Community Federal Credit Union Rates

Compare to Other Credit Unions